CredWorth (“CredWorth”, “Company”, “we”, “our”, or “us”) values your privacy and is committed to protecting your personal and business information.
This Privacy Policy explains how we collect, use, store, process, share, and protect information when you access or use the CredWorth platform, website, mobile applications, APIs, dashboards, and related services (“Platform”).
By accessing or using the Platform, you consent to the practices described in this Privacy Policy.
If you do not agree with this Privacy Policy, you should discontinue use of the Platform.
1. SCOPE OF POLICY
This Privacy Policy applies to:
* individuals;
* merchants;
* businesses;
* representatives;
* customers;
* visitors;
using the Platform or interacting with CredWorth.
This Policy applies to information collected:
* through the Platform;
* during onboarding or KYC processes;
* through customer support interactions;
* through integrated third-party verification or payment systems;
* through communication channels including email, phone, and messaging systems.
2. INFORMATION WE COLLECT
CredWorth may collect personal, business, technical, financial, and transactional information including but not limited to:
A. Personal Information
* full name;
* mobile number;
* email address;
* residential or business address;
* date of birth;
* government-issued identification details;
* PAN details;
* Aadhaar-related information where legally permitted;
* profile information.
B. Business Information
* business name;
* GST details;
* registration documents;
* business address;
* authorized representative information;
* bank account details;
* invoices or transaction-related information.
C. Financial & Transaction Information
* bank account information;
* UPI IDs;
* mandate-related information;
* transaction records;
* payment status;
* settlement details;
* debit authorization details.
D. Technical Information
* IP address;
* browser type;
* device information;
* operating system;
* app usage data;
* cookies and analytics data;
* login timestamps;
* device identifiers.
E. Verification & Compliance Information
* KYC documents;
* verification records;
* fraud prevention data;
* risk assessment information;
* compliance-related records.
3. HOW WE COLLECT INFORMATION
We may collect information:
* directly from Users;
* during account registration;
* during mandate creation;
* during KYC verification;
* through payment or banking integrations;
* through cookies and analytics tools;
* through communication with our support teams;
* through authorized third-party service providers;
* through publicly available lawful sources where permitted.
4. PURPOSE OF COLLECTION
CredWorth may use collected information for:
* account creation and management;
* KYC verification;
* fraud prevention and risk monitoring;
* mandate generation and management;
* transaction tracking and reconciliation;
* customer support;
* operational and technical improvements;
* analytics and performance monitoring;
* legal and regulatory compliance;
* security monitoring;
* dispute handling;
* communication regarding Platform services;
* enforcing Terms & Conditions;
* preventing misuse, fraud, abuse, or unauthorized activities.
5. PAYMENT & BANKING OPERATIONS
CredWorth operates as a technology facilitation platform and integrates with authorized Payment Partners, banks, payment aggregators, KYC providers, and financial infrastructure systems.
CredWorth does not independently process or hold User funds.
Transaction execution, mandate processing, settlements, debit processing, and related banking operations are handled through authorized third-party financial infrastructure providers.
Users acknowledge that certain information may be shared with Payment Partners for:
* transaction processing;
* mandate execution;
* KYC verification;
* fraud monitoring;
* regulatory compliance;
* settlement operations.
6. SHARING OF INFORMATION
CredWorth may share information with:
A. Payment & Banking Partners
Including:
* payment aggregators;
* banks;
* UPI infrastructure participants;
* financial institutions;
* mandate processing systems.
B. Verification & Compliance Providers
Including:
* KYC providers;
* fraud prevention services;
* compliance vendors;
* risk monitoring partners.
C. Technology & Infrastructure Providers
Including:
* cloud hosting providers;
* analytics providers;
* customer support tools;
* communication service providers.
D. Legal & Regulatory Authorities
Where required:
* under applicable laws;
* by court orders;
* by government authorities;
* for fraud investigations;
* for regulatory compliance.
E. Business Transfers
In connection with:
* mergers;
* acquisitions;
* restructuring;
* sale of business assets;
* financing transactions.
CredWorth does not sell personal information to third parties.
7. DATA STORAGE & RETENTION
User information may be stored:
* on secure servers;
* through authorized third-party infrastructure providers;
* by integrated Payment Partners where operationally necessary.
CredWorth may retain information:
* for operational purposes;
* legal compliance;
* fraud prevention;
* dispute resolution;
* audit requirements;
* regulatory obligations.
Retention duration may vary depending on:
* legal requirements;
* operational necessity;
* compliance obligations;
* ongoing disputes or investigations.
8. DATA SECURITY
CredWorth implements reasonable technical, administrative, and operational safeguards designed to protect User information against:
* unauthorized access;
* misuse;
* alteration;
* disclosure;
* destruction.
Security measures may include:
* access controls;
* encryption mechanisms;
* monitoring systems;
* authentication protocols;
* secure infrastructure practices.
However, no digital platform or internet transmission can guarantee absolute security.
Users are responsible for maintaining confidentiality of:
* passwords;
* OTPs;
* login credentials;
* device access;
* account information.
9. COOKIES & ANALYTICS
CredWorth may use:
* cookies;
* analytics tools;
* tracking technologies;
* device identifiers;
to improve Platform functionality, performance, and User experience.
These technologies may be used for:
* authentication;
* analytics;
* fraud prevention;
* session management;
* performance monitoring.
Users may disable cookies through browser settings, although certain Platform features may become unavailable.
10. USER RIGHTS
Subject to applicable law and operational limitations, Users may request:
* access to their information;
* correction of inaccurate information;
* updating of records;
* account closure requests;
* withdrawal of certain consents where legally permissible.
Certain information may continue to be retained where required:
* by law;
* for regulatory purposes;
* for fraud prevention;
* for dispute resolution;
* for compliance obligations.
11. THIRD-PARTY LINKS & SERVICES
The Platform may contain links or integrations with third-party websites, services, or systems.
CredWorth is not responsible for:
* privacy practices of third parties;
* third-party security measures;
* content or policies of external services.
Users are encouraged to review third-party privacy policies separately.
12. CHILDREN’S PRIVACY
The Platform is not intended for individuals below 18 years of age.
CredWorth does not knowingly collect information from minors.
If we become aware that information has been collected from a minor without lawful authorization, appropriate steps may be taken to delete such information.
13. FRAUD PREVENTION & COMPLIANCE MONITORING
CredWorth may monitor accounts, transactions, and activities for:
* fraud prevention;
* risk assessment;
* suspicious activity detection;
* legal compliance;
* anti-abuse measures.
CredWorth reserves the right to:
* suspend accounts;
* block transactions;
* request additional verification;
* report suspicious activities to authorized authorities or partners.
14. LIMITATION OF LIABILITY
While CredWorth implements reasonable security and operational measures, Users acknowledge that:
* internet-based systems carry inherent risks;
* third-party systems may experience failures;
* unauthorized access may occur despite safeguards.
To the maximum extent permitted by law, CredWorth shall not be liable for:
* unauthorized access caused by User negligence;
* banking or payment infrastructure failures;
* third-party service interruptions;
* cyber incidents beyond reasonable control;
* indirect or consequential damages.
15. CHANGES TO THIS PRIVACY POLICY
CredWorth reserves the right to modify or update this Privacy Policy at any time.
Updated versions shall become effective upon publication on the Platform.
Continued use of the Platform after updates constitutes acceptance of the revised Policy.
16. CONTACT & GRIEVANCE
For privacy-related concerns, support requests, or grievances, Users may contact:
